Updated September 28, 2026 · SumCue Editorial Team
Police Friendly vs Raisin
Police Friendly
Higher score in this comparison
Raisin
Police Friendly vs Raisin: the differences
| Compare | Police FriendlyReviewSee alternativesSee alternatives | RaisinReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £50Lower | £100 |
| Regulators | Financial Conduct Authority / Prudential Regulation Authority | Bezirksamt Friedrichshain Kreuzberg (financial investment intermediary register, registration D F 107 QQ43 76) |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Account types | ISA, Lisa, JisaCovers more | ISA |
| Account fee | Not confirmed | £0 |
| Markets | Stocks, Funds | Not confirmed |
| Deposit and withdrawal fees | 25% government charge on non-qualifying withdrawals | Not confirmed |
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Key differences
- Police Friendly scores higher overall: 9.0 vs 8.8.
- Regulators: only Police Friendly offers Financial Conduct Authority / Prudential Regulation Authority.
- Regulators: only Raisin offers Bezirksamt Friedrichshain Kreuzberg (financial investment intermediary register, registration D F 107 QQ43 76).
- Founded is lower at Police Friendly: 1893 vs 2012.
- Raisin is available in 9 more countries.
- Minimum deposit is lower at Police Friendly: £50 vs £100.
- Account types: only Police Friendly offers Lisa, Jisa.
- Support channels: only Raisin offers Help centre.
Our verdict on each
Police Friendly
Police Friendly runs a UK stock and shares ISA, LISA and JISA range from £50, run by Metropolitan Police Friendly Society Limited. It suits savers building a tax sheltered pot in stocks and funds who value a named legal entity and FSCS cover, and who can leave the money invested.
Raisin
Raisin is a savings marketplace with an easy-access account, an ISA and no monthly charge, so it suits UK savers who want one place to hold cash. Its headline rate of 4.15% sits above the 3% median across the site, and the minimum deposit starts at £100.
Score breakdown
| Area | Police Friendly | Raisin |
|---|---|---|
| Cost | 8.7Opening a stocks and shares ISA, LISA or JISA needs £50, and a non qualifying withdrawal carries 25% government charge on non-qualifying withdrawals. | 8.8HigherAccount fee and monthly fee are £0 and £0, and the headline rate of 4.15% sits above the site median of 3%. |
| Offer | 9.0Higher | 8.9 |
| Trust | 9.2Higher | 8.7 |
How they place
| Ranking | Police Friendly | Raisin |
|---|---|---|
| Investing | 210 of 654 | 280 of 654 |
| Stocks and shares ISAs | 7 of 25 | 12 of 25 |
Also worth a look
Hargreaves Lansdown has minimum deposit at £0, against £50 for Police Friendly and £100 for Raisin.
Hargreaves Lansdown reviewEvery fact side by side
| Fact | Police Friendly | Raisin |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee |
| Legal entity | Metropolitan Police Friendly Society Limited | Raisin SE |
| Headquarters | United Kingdom | Germany |
| Founded | 1893Lower | 2012 |
| Support channels | Email, Phone | Phone, Email, Help centreCovers more |
Savings
| Fact | Police Friendly | Raisin |
|---|---|---|
| Headline rate | Not confirmed | 4.15% |
| Rate type | Not confirmed | Variable |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Access terms | Not confirmed | Easy access savings account on the Raisin UK marketplace: top up and withdraw at your convenience, no fixed term |
| Monthly fee | Not confirmed | £0 |
| Account kind | Not confirmed | Easy access |
Robo-advisors
| Fact | Police Friendly | Raisin |
|---|---|---|
| Management fee | Not confirmed | 0% |
| Minimum investment | Not confirmed | $1 |
| Portfolio types | Not confirmed | Cash |
Where each stands against the rest
| Fact | Police Friendly | Raisin | Median |
|---|---|---|---|
| Minimum deposit | £50above the median | £100above the median | £15 |
| Account fee | Not confirmed | £0at the median | £0 |
Median across 24 listed providers.
Pros and cons
Police Friendly
Pros
- Three tax sheltered options in one place: an ISA, a LISA and a JISA
- Low entry point at £50 to open
- Stocks and funds available to invest through stocks and funds
Cons
- A non qualifying withdrawal is hit by 25% government charge on non-qualifying withdrawals
- Investments are limited to stocks and funds, with no wider market list given
- Support runs on email and phone only
Raisin
Pros
- The account fee and monthly fee are £0 and £0, so holding cash costs nothing
- The headline rate of 4.15% is above the site median of 3%
- The account is easy access, so you can top up and withdraw with no fixed term
Cons
- Protection on investments is EU ICS up to EUR 20,000, well below the FSCS up to GBP 85,000 that covers savings
- The rate is variable, so the headline figure can move
- The minimum deposit of £100 is above the €0.88 median across the site
Who each suits
Police Friendly
Who it suits
- UK savers building a tax sheltered pot for the long term
- Parents saving for a child through the JISA account type
- Savers who want a named legal entity behind the account
Who should look elsewhere
- People trading shares frequently, since investable markets run to stocks and funds
- Anyone likely to need the money early, because of 25% government charge on non-qualifying withdrawals
Raisin
Who it suits
- UK savers who want a variable rate and no monthly charge
- Anyone holding an ISA who values easy access over a fixed term
- Savers comfortable choosing a marketplace rather than a single bank's savings account
Who should look elsewhere
- Vantage or eToro readers who want to pick and trade investments rather than hold savings
- Vivid Plus readers who want a multi-currency account with a card
- Anyone whose balance sits above the protection on investments
Current offers
Police Friendly
Current offer
Bonus
Open a Lifetime ISA - Earn up to GBP50 in Gift Cards: Up to GBP50 gift card
Pay GBP100 or more per month, or GBP50+ with Escalator; GBP30-99 gets GBP25; quote AUTUMN26
Source, checked September 26, 2026
Raisin
Current offer
Bonus
Earn up to $1,000 cash bonus: up to $1,000
New customers only, qualifying balances, code STACK
Source, checked September 26, 2026
Country by country
| Country | Police Friendly | Raisin |
|---|---|---|
| Austria | No | Yes |
| Finland | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Netherlands | No | Yes |
| Poland | No | Yes |
| Spain | No | Yes |
8 of 10 countries where either is available.
Questions about each
Police Friendly
What accounts can I open with Police Friendly?+
You can open an individual savings account, a lifetime individual savings account or a junior individual savings account. The range is listed at isa, lisa and jisa. The account runs under Metropolitan Police Friendly Society Limited.
How much do I need to put in to start?+
The minimum deposit is £50, which is a low starting point for a tax sheltered account. Once the account is open you can invest that money in the assets listed at stocks and funds.
Raisin
What rate does Raisin pay on its easy-access savings account?+
The easy-access account pays a variable rate of 4.15%. Because the rate type is variable, that figure can change, so the headline number is a starting point rather than a promise. The account carries no fixed term.
Is there any monthly or account fee at Raisin?+
No. The account fee is £0 and the monthly fee is £0, so there is no monthly charge on the easy-access account. The account kind is easy access, which suits a no monthly fee model.
Other options to compare
Other matchups
Police Friendly
Raisin